Knoxville Tva Employees Credit Union Visa Platinum | Consumer Financial Protection Bureau

Nationwide

Availability

Eligibility requirements

Applicants must qualify for membership based on the Credit Union's field of membership criteria.
This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

tvacreditunion.com

Phone

(800) 467-5427

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

9.99% – 18%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
619 or less	18%	1 dollar sign symbol Pay less interest
620-719	12.99%	1 dollar sign symbol Pay less interest
720+	9.99%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: 1% of each purchase
Minimum finance charge: A minimum interest payment of $1.50 is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $30 for the first late payment
Late fee policy details: Late fee is up to $30, depending on balance. Balances under $30 would not be assessed a fee higher than the balance owed.
Over-limit fee: None
ATM cash advance fee: $1 (Charged when a cash advance is done at an ATM not owned by the Credit Union or affiliated with the Credit Union.)
Returned Payment Fee: $25 (Fee of up to $25 charged if payment is returned as unpaid.)

Rewards and perks

Cash back and other

Other rewards: Gift cards, services, etc.

Services

Access to Free Credit Scores
Automobile rental insurance
Discounts on purchases of goods and services (non travel related)

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

9.99% – 18%*

+

$0

*As of Dec. 31, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
619 or less	18%
620-719	12.99%
720+	9.99%

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.